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You may note that the SPI Chart includes no entries for the new rule variations found in some of today's games. In the past few years, many casinos in Las Vegas have begun offering single-deck blackjack where naturals pay 6 to 5 instead of the traditional 3 to 2. I'll call these games "BJ Pays 6 to 5." This rule is so bad that there is little use devising an SPI value for it. The negative value would simply negate the possibility of any such game providing a card counter with a profit opportunity. Super Fun 21 is even worse than BJ Pays 6 to 5, and the host of rules favoring players are not strong enough to counter the negative effect.

Technically, both BJ Pays 6 to 5 and Super Fun 21 can be beaten with card counting strategies. The problem is that you need deeper penetration than most casinos provide, and you would also have to use a much bigger betting spread than you would need for a traditional BJ Pays 3 to 2 game. So, my advice is to avoid these pseudo-blackjack games altogether.

Likewise, some casinos now use continuous shuffle machines, or CSMs, on some tables. These machines effectively cut penetration to 0%, making card counting a complete waste of time since there's nothing to count! Stay away from tables that use CSMs.

Another disturbing development in Nevada in the past few years has been the introduction of "fake" one- and two-deck games. At these tables, a machine is used to shuffle six to eight decks, and then the dealer removes only one or two decks from the machine, dealing what appears to be a hand-held one or two-deck game. In fact, what you have is a six- or eight-deck game with extremely poor penetration. Counting cards in a game like this is a waste of time. So watch out for the fake blackjack that casinos keep introducing. All of them are sucker games.

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A few final comments on playing on a replenishable bankroll: If you want to take one month's win—after a successful trip—and add it to the amount you can afford to lose the following month, this will give you a lot more flexibility, to say nothing of total playing hours. In fact, I recommend that you do this if you are serious about making money from the casinos.

But never, never, borrow against next month's replenishable funds—that's a very bad habit to get into. In fact, about the only time I would recommend it would be when you need the extra funds to double down or split on a current hand in play. You always want to maximize your win potential in these types of situations, but if you lose those "borrowed" funds, then you must seriously consider whether or not you can play next month on your full replenishable amount. If the amount you go over your trip bank is negligible, forget about it. But if you lose half of next month's playing bank due to some incredible double/split opportunity that doesn't go your way, then seriously consider playing the following month on half of your normal allotment, or even waiting until you can add that allotment to the following month's playing bankroll, so you can play with more flexibility then.

Regardless of how big or small your annual replenishable bankroll is, you should be able to draw up a bet-sizing schedule using the chart above as a guideline. Do not waste your time studying complicated Kelly betting strategies or risk of ruin charts, or any of the complex methods that pros on fixed bankrolls use, or teams of pro players seeking investors must master. With a replenishable bankroll, you're well on your way to making money at this game. But if you quit your job, move to Vegas, and start playing full time on the fixed amount of capital you arrived with, you've got some serious considerations ahead of you.

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